The groupolivo.com domain is closely linked to Toqio Fintech (Toqio Fintech Ltd & Toqio Fintech S.L.) and the LUM platform (com.olivomobile.dev)—delivering modular B2B embedded finance, corporate card issuing, multi-currency accounts, and SME treasury ecosystems across Europe.
When Eduardo Martínez García and Michael Galvin began building their next venture after exiting Geniac to Grant Thornton, they recognized that every corporation and vertical SaaS platform wanted to offer financial services to its SME customers—but building regulated banking software took years. That insight gave birth to LUM and Toqio.
com.olivomobile.dev)
Our mobile engineering footprint (published under package ID com.olivomobile.dev / TOQIO SME) provides a white-label native mobile and web banking experience that enterprises can brand and deploy in weeks rather than years.
The LUM / Toqio orchestration layer decouples the customer-facing application from underlying banking-as-a-service (BaaS) providers, allowing businesses to compose financial products via configuration rather than custom code.
Instead of locking corporates into a single bank, our marketplace architecture connects multiple regulated financial institutions, card schemes, and lending underwriters across the UK and EEA.
Select your industry vertical and toggle the required financial modules to preview how Group Olivo and our Toqio / LUM stack assemble a production-ready SME financial ecosystem.